The Geographical and Entrepreneurial Outcomes of Borrower Discouragement. (with Cowling, M., Brown, R and Liu, W.) forthcoming in Regional Studies: https://doi.org/10.1080/00343404.2026.2723293
What Rates of Return Do Firms Expect from Innovation Investments? (2026). Journal of Technology Transfer. (with Cowling, M., Vorley, T., and Raman, S. A.)
Variable and fixed rate debt: Gambling on the future state of the economy after Covid-19. (2026). Small Business Economics. (with Cowling, M. and Wong, K.P.)
Does Berger and Udell (1998) financial life-cycle theory hold for loan interest rates?. (2026). Small Business Economics. (with Cowling, M, Mac an Bhaird, C. and O’Reilly, S.)
Is Artificial Intelligence and Virtual Reality a Reality for UK Businesses? (2026) Journal of Entrepreneurship and Innovation in Emerging (with Cowling, M., Calabrese, R., Vorley, T., and Raman, S. A.)
Traversing the multiple nested geographies of NUTs based entrepreneurial ecosystems. (2026) The Journal of Technology Transfer, 51, 98-124. (with Cowling, M. and Brown, R.)
Loan size concentration under the UK enterprise finance guarantee scheme and SME access to finance. (2026) Journal of Small Business Management, 64(1),193-224 (with Cowling, M., Liu, W. & Wilson, N.)
How Do Businesses Finance New Investment? (2026) The Manchester School, 94 (3) pp.278-295 (with Cowling, M., Wilson, N. and Liu, W.)
Getting Money in the Country: Is there a liability of Rurality Facing SMEs? (2025) Journal of Rural Studies, 120, 103886. (with Cowling, M., Brown, R and Liu, W.)
Do firms invest in energy adaptation? And, if so, why? (2025) Energy Economics, 149, 108776. (with Cowling, M. and Rahman, S.A.)
What sources of finance are firms least likely to use? (2025) Finance Research Letters, 80,107385. (with Cowling, M.)
Growth, Working Capital and Refinancing: The Geography of Post Pandemic Regional Financial Resilience in UK SMEs. (2025) Papers in Regional Science, 104(4), 100101. (with Cowling, M., Brown, R and Liu, W.)
Do Loan Interest Rate Margins and Loan Fees Move in the Same Direction and are they Jointly Determined? (2024) Finance Research Letters, 60, 104911. (with Cowling, M.)
Book Chapter:
Cowling, M., Yang, H., and Liu, W. (2026). Chapter 9 Banks. In Field Guide to Entrepreneurial Finance, Cheltenham, UK: Edward Elgar Publishing. available from: (https://doi.org/10.4337/9781035342501.00013)
The Deep Scarring Effects of Bad Loan Outcomes for Small Business (with Cowling, M., Liu, W. and Fraser, S. )
Environmental and Social Goals impacts on Growth for Women-led Businesses (With Zwiegelaar, J.)
Welfare impact of change in pension scheme (with Le Riche, A.)
Frictional Unemployment and Value Added Trade (with Asteriou, D.)
ESRC Project: Access to Finance, Investment and Productivity (2022–2025). Led by Professor Marc Cowling (Oxford Brookes), in collaboration with Dr Weixi Liu (University of Bath), Professor Ross Brown (University of St Andrews), and Professor Nick Wilson (University of Leeds).
Innovation and Research Caucus: Evaluation of Economic Returns of Innovate UK Grants, led by Professor Tim Vorley. Role: Lead Project Coordinator within the ONS Secure Research Service (Trusted Research Environment). Datasets: Annual Business Survey (ABS) and Business Enterprise Research and Development (BERD) survey.
Evaluation of Derbyshire Festival of Business (with Professor Qile He and Dr Weiwei Yang), University of Derby (2021–2022).
Research Assistant to Professor Martin Spring (Lancaster University) and Professor Alan Hughes (Imperial College Business School & University of Cambridge Judge Business School): Performance Measurement, Productivity and Management Practices in Small Firms (2019–2021).